Is this bank account locked text real?
A text claiming your account is locked may be trying to rush you into a fake bank website or phone call.
“Fraud alert: Your account has been locked after an unusual purchase. Verify your identity immediately: [link]”
Why this is suspicious
A real bank may send fraud alerts, but an unexpected link can lead to a convincing copy of the bank's website. Caller ID and sender names can also be faked.
Warning signs
- The message creates immediate fear about your savings
- It directs you to a link or unfamiliar phone number
- It asks for a password, PIN, or verification code
- The web address is not the bank's normal domain
What to do next
- Do not use the link or phone number in the message
- Open your banking app directly or type the bank's website yourself
- Call the number printed on the back of your card
- Never share a one-time verification code with someone who contacted you
If you already clicked or paid
For guidance on what to do after a possible scam, visit the FTC’s recovery guide. It covers different situations, including payments and personal information.
Official source: FTC guidance on bank impersonation texts
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